A Living Benefit Loan lets you borrow against your life insurance policy — up to 50% of the death benefit — without selling it. No monthly payments. No credit check. Funding in as few as 3 days.
Amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig's disease, is a progressive neurodegenerative disease that affects approximately 5,000 Americans each year. The 5-year survival rate is about 20%, with most patients living 2-5 years after diagnosis. ALS gradually destroys the nerve cells that control voluntary muscles, eventually affecting the ability to eat, speak, move, and breathe.
5,000
New Cases per Year
20%
5-Year Survival
3 Days
To Funding
Treatment focuses on slowing progression and managing symptoms. FDA-approved medications include riluzole and edaravone, along with physical therapy, speech therapy, respiratory support, and eventually ventilator assistance. Most ALS patients require full-time caregiving within 2-3 years of diagnosis.
ALS is one of the most expensive diseases to manage, with annual costs averaging $150,000 to $250,000. Home modifications, motorized wheelchairs ($15,000-$30,000), communication devices, ventilators, and 24-hour care add up rapidly. Most patients are unable to work within a year of diagnosis.
If you have a life insurance policy with a death benefit of $75,000 or more, you may be able to borrow against it — without selling it, without monthly payments, and without a credit check.
Unlike a viatical settlement, you don't sell your policy. Your beneficiaries still receive the remaining death benefit.
Receive up to 50% of your death benefit in as few as 3 days. When time matters, speed matters.
The loan is repaid from the death benefit. No income requirements, no credit check, no financial stress.
Medical bills, caregivers, home modifications, facility costs, family expenses — there are no restrictions.
Life insurance policy with a death benefit of $75,000 or more
Diagnosed with ALS (Lou Gehrig's Disease) or another serious medical condition
Policy is active with premiums current (or within the grace period)
Find out how much you can access — no obligation, no credit check.
Find out how much cash you can access from your life insurance — no obligation, no credit check, funding in as few as 3 days.
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